Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, May 14th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

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All attendees will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

Abundance is More Than Just Money

The great mentor Marshall Thurber taught that 94% of all failures are due to a lack of a system. In this case, SYSTEM is an acronym that stands for Save Your Self Time Energy Money.

Thurber taught about the importance of predictability in ensuring quality results. That means if you put a certain amount of wood into the fire, you’d get a certain amount of BTUs. Or if you followed the exact recipe for cinnamon rolls, you’d get a perfect batch of them 90-95% of the time.

This same principle can be applied the systems that create predictable wealth.

Most people, who are familiar with the world of finance, focus on creating predictable rates of return and predictable results with their money so they don’t have to worry about their money.

There are several different ways to accomplish this.

One is called structured cash flows. Others include putting money into a maximum funded insurance contract. During the past 12 years—possibly the worst 12-year period since the Great Depression—people who have done this have enjoyed predictable rates of return at a time that was utter chaos to others.

Many investors saw up to a 40% loss in their savings twice in the past 12 years, first in 2003 and again in 2008. It’s no wonder people were running around in a panic.

But those who used systems that created predictable returns saw their money double and triple during that same 12 years. They did not lose any money when the economy went down.

That ongoing market volatility is just one part of a triple whammy that also includes higher taxes and rising inflation. But once again, having the right system in place allows a person to enjoy predictable tax-free returns while building a nest egg that continues to produce tax-free income throughout your retirement.

Having a life of abundance begins with learning the right strategies.

Building Your Dream Life of Peace and Prosperity

On September 23, 1908, in a game against the Chicago Cubs, Fred Merkle of the New York Giants was on first base with Moose McCormick was on third base, with two outs in the bottom of the ninth inning. The score was tied. The next batter singled home McCormick from third base. But Merkle, caught up in the excitement, failed to touch second base and ran to celebrate with his teammates.

The second baseman noticed this, picked up the ball and tagged second base and then appealed to the umpire who called Merkle out. This nullified the run just made by McCormick. In the ensuing chaos, the game was called a tie and the Cubs and Giants had to meet in a playoff game. The Cubs won that game.

Had the giants won that September 23^rd game, that playoff would have been unnecessary and the Giants could have won the 1908 World Series that instead ended up being won by the Cubs.

The lesson here is that sometimes in life, we forget to touch all the bases and it can come back to bite us later.

We have to keep things in their proper perspective. This includes money. It’s fine to learn how to accumulate money predictably and to accumulate it tax-free in good times or bad times. But we have to remember to touch all the bases while we do it.

This means touching not only the financial bases, but also the other bases like your health, your family, your relationships, and your values. You’ve got to get your intellectual assents, your wisdom, your knowledge, and your experience in alignment as well. It’s also important to touch the base of what you give back to society through your contributions.

What good is your money without these other foundational areas? It’s impossible to be happy without remembering to touch these bases.

Our knowledge, attitudes, skills and habits contribute greatly to the kind of abundance that we all hope to enjoy.

If you’d like to learn how create greater predictability in your wealth without losing sight of those other essential areas of the abundant life, visit with a wealth architect today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, April 23th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

Tax Hikes Are Just Beginning

The Tax Policy Center is reporting that roughly 77% of American households will pay more this year in taxes. This is due, in part to the agreement Congress passed on New Years Day in order to avoid the fiscal cliff.

Here’s why this is so. A number of Bush era tax cuts were temporarily extended, while others were allowed to expire. It was reported that the tax hikes in the legislation would only affect those with incomes of $400,000 a year or more. But the bill’s true impact goes well beyond that.

Even if Congress goes the rest of the year without another tax hike, virtually taxpayer is still paying another $500-$1,000 more in taxes this year.

This bill supposedly saved 99% of Americans from a tax hike, but we’ll all be paying more because the Social Security payroll tax cuts were allowed to expire. This is a roughly $1,000 tax increase to workers making $50,000 a year.

FICA and Medicare withholding all the way from 4.2% back up to 6.2%. This means that most Americans will experience a 50% increase in the amount withheld from their checks for Social Security and Medicare.

Other fallout included increases in capital gains and dividends for high income earners such as married couples filing jointly and earning over $70,000 annually and single earners making more than $35,000. The capital gains increased from 15% to 20%. And, finally, there was a phase out of the itemized deductions and the addition of a health care surtax of 3.5% that went into effect on all investment income.

While the higher income earners are taking it on the chin, every income earner is noticing that they are paying more in taxes this year.

The fiscal cliff may have been avoided, but serious issues like the debt ceiling and spending cuts were never even addressed. This means that economic uncertainty will continue for now.

This is prompting many Americans to consider what is happening to their taxes and to explore what they can do to immunize themselves from the effects of future tax increases.

Tax Hike Immunity Is the Answer

What if the prospect of Congress raising taxes was something you could simply shrug off as irrelevant? How would it feel to know that your retirement money was immune from tax hikes and continuing market volatility? Would you sleep a little better at night knowing that you had taken the steps to protect it?

People who are keeping their retirement money in IRAs and 401(k)s will not have this luxury. This is because their money is being accumulated in a tax-deferred vehicle that will subject them to those anticipated rising tax rates the moment they begin taking their distributions.

Not only will they be facing almost certain higher tax rates, but they’ll also have fewer deductions to offset their tax liabilities. Their homes will have been paid off; their dependents will have left the nest, etc. It’s entirely possible that many retirees will find themselves paying more in taxes during retirement than they did during their working years.

They’ll also be dealing with the effects of rising inflation that is shrinking the purchasing power of every dollar they’ve saved.

And with their retirement savings in an IRA or 401(k), their nest egg will be exposed to the economic uncertainty and market volatility that has been so common for the past 10 years.

On the other hand, there are people who have learned how to get their money out of their IRA or 401(k) through a strategic rollout, pay their tax debt now at the lower rate and get their money safely into a vehicle where it can accumulate tax-free from then on.

They’ve learned how to beat the ravages of inflation by tying their returns to those things that inflate. And they’ve learned how protect every dime of their principal through indexing strategies that allow them to participate in every market upside, but protects them during those years when the market declines.

Immunity from higher taxes, rising inflation and continuing economic uncertainty is a result of learning and applying the right strategies and a conscious refusal to keep following the herd.

Take the essential first step and visit with a wealth architect today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, March 13th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

The Tax & Inflation Power Curve

The thought of retiring with a million dollar nest egg is enough to put a smile on almost anyone’s face.  But if you don’t understand how the tax and inflation power curve can affect your savings, you may be in for an unwelcome surprise.

The Congressional Budget Office (CBO) has stated that middle income Americans during the next 20 years will be paying an average of more than 50% of their income in taxes.  So, at 7.2% inflation, how much will a nest egg of $1 million earning 7.2% or $72,000 per year or $6,000 per month be worth in a 50% tax bracket?

• a. $3,000 per month
• b. $2,000 per month
• c. $1,000 per month
• d. $750 per month

Most people would be shocked to learn that the answer is “d.” How could a million dollar nest egg end up amount to such a low monthly retirement income? The tax and inflation power curve are the reason.  Here’s why:

According to the rule of 72, at a 7.2% inflation rate, the cost of living will double every 10 years.  Therefore, 20 years from now, a million dollar nest egg earning 7.2% or $6,000 per month will be only worth $1500 per month.  And that’s just the effect of inflation.

Add in the impact of a 50% tax bracket and of that $1500 per month, you’re only getting to keep half of it.  Suddenly that million-dollar nest egg isn’t quite sufficient.

If you haven’t planned for the effects of taxes and inflation, you could find yourself outliving your retirement money.

Growing Your Money vs. Playing the Market

If, during the last 60 years of U.S. stock market history, you would have eliminated all of the loss years and only captured 25% of the gain during the up years, you would have made more money than those investors who tried to time the stock market.

How is this possible?  In a word: indexing.

Indexing is a way of tying your returns to a particular market index such as the S&P 500 or Dow Jones whereby your money isn’t actually at risk in the market but benefits from any market growth.

To put it another way, during down years you don’t lose any money, but when the market rebounds and experiences growth, you immediately benefit from any upside potential.

Indexing protects your money during the down years and while it may not grow during those years, you won’t lose a dime.  During up years, your money grows up to a certain capped rate.  This way any gain you realize becomes newly protected principal as your money grows.

These examples illustrate the importance of not only understanding the effects of taxes and inflation on your retirement nest egg but also the importance of learning how to position your serious cash to protect it.

Instead of putting your money in tax-deferred vehicles and being exposed to the tax and inflation power curve, your money needs to accumulate, distribute and transfer tax-free.  Your return should be linked to those things that inflate during times of inflation to ensure that your money outpaces inflation.

And with indexing, your money safely grows during the up years without risking loss during down years in the market.

Learn how to put the Missed Fortune strategies to work by meeting with a Missed Fortune advisor today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, February 28th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

A Few Simple Questions

Where would an average investor have realized the best internal rate of return, meaning net; after taxes, on a lump sum investment of $125,000 invested in January 1990 to an account value today worth in excess of $1,000,000?

• a. A mutual fund that followed the S&P 500 or Dow Jones Index.
• b. A variable annuity.
• c. A municipal bond.
• d. A maximum-funded, indexed Universal life insurance policy.

It’s remarkable how many financial advisors would choose “a” as the correct answer.  But according to DALBAR, the reality is that the average investor during that 22-year period only managed a rate of return of 3.83%.  This means that the original $125,000 investment would only be worth $289,910 today.

Compare that with a maximum-funded, indexed insurance contract that included rebalancing and lock and reset strategies, the same investment would be worth $1, 028, 930—tax-free.

Here’s another question: A dollar doubling every period for 20 periods would be worth how much?

• a. $27,000
• b. $72,000
• c. $666,000
• d. More than $1 million

Believe it or not, each one of these amounts could be the correct answer depending upon your tax situation.

If you were paying taxes as you earn the money in a 33% tax bracket, your dollar doubling every period for 20 consecutive periods would only be worth about $27,000.  Those who live in a state without an income tax might see that dollar grow to $72,000 after doubling 20 times.

If that dollar were in a tax-deferred account like an IRA or 401(k), it might grow to over a million, but the IRS would still claim about a third of that money in taxes, leaving you with just $666,000.

In a totally tax-free vehicle where the money accumulates tax-free under IRS Code section 72E and remained tax-free upon distribution under section 7702, you’d have over a million dollars.  And at the end of your life, the money would transfer to your survivors, tax-free.  This is yet another example where the maximum-funded, tax-advantaged (MFTA) life insurance contract comes out on top.

Another question: According to the rule of 72, at a 7.2% inflation rate, the cost of living will double every 10 years.  Therefore, 20 years from now, a million dollar nest egg earning 7.2% or $72,000 per year will be only worth how much in today’s dollars?

• a. $4000 a month
• b. $3,000 a month
• c. $2,000 a month
• d. $1500 a month

The answer is “d”.  This means that a million dollar nest egg that provides you with $6,000 per month in income will only have the purchasing power that $1500 per month can buy you today.  That’s just considering inflation and not taking the effects of taxes into account.

One final question: Let’s say you incurred a loss of 50% on the value of your retirement account.  What amount of gain will you need to realize to get back to where you were before the loss?

• a. A 50% gain
• b. A 100% gain

The answer is “b”.  You need a 100% gain to make up that lost ground.  Consider that if you started out with $100,000 and suffered a 50% loss, you now have just $50,000.  A 50% gain would only take you back to $75,000.  It take’s a 100% gain to make up the loss and get you back to where you started.

This quiz illustrates the importance of not only understanding the effects of taxes and inflation on your retirement nest egg but also learning how to position your serious cash to protect it.

You wouldn’t believe how many financial advisors don’t understand this concept.  They haven’t yet learned the proven Missed Fortune strategies that have helped our clients enjoy tax-free, safe, predictable rates of return for decades.

But you can learn them by contacting a Missed Fortune advisor today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, December 13th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Retirement Questions for Business Owners

Many business owners are feeling frustrated because of the economic uncertainty of the past 10 years.  The so-called “Lost Decade” has cost many folks nearly 40% of their retirement nest egg due to market volatility.

Following 9/11, the economy declined for 3 consecutive years before it started to regain traction.  By 2007 those with money in the market had begun to break even with where they were prior to September 2001.

Of course, in 2008 the market took another 40% drop and it was back to square one for those investors.

Business owners who were recently taught the Missed Fortune strategies were intrigued to see proof that investors who followed these indexing strategies throughout the Lost Decade actually doubled their money.  That’s quite a contrast to those who have been struggling to regain lost ground for the past 10 years.

When asked to elaborate on their frustrations, these business owners pointed first to the market volatility as a primary source of irritation.  They also pointed to concerns about taxes going up as well as the likely effects of inflation.

Next the business owners were asked how long this trend had been going on.  Some answered that they’d been staying the course in their IRAs or 401(k)s for 15-20 years at the behest of their CPA, attorney or other financial advisor.

One of the classic definitions of insanity is to do the same thing over and over while expecting a different result.

The third question asked of these business owners was what they had tried in order to remedy their situation.  Often they would reply that they tried to protect themselves and their money from further losses by putting it into a bank account that yielded 1% interest and where there was zero upside potential when the market grew.

Often they would dive right back into tax-deferred accounts again thinking that they’d see a return of the days of average 12% returns like their financial advisors spoke of in glowing terms.

But it hasn’t happened.  According to DALBAR, most people actually averaged 3.83% because they tended to buy & sell at the wrong times.  By contrast, the Missed Fortune indexing strategies have averaged around 8.2% percent rate of return in a safer, more conservative environment and it’s tax-free.

The next question for the business owners was “how much is this costing you?”

If the $100,000 you started out with could have grown to $500,000 but instead is sitting at just $200,000 thanks to taxes, inflation or market volatility, the missed opportunity has cost you $300,000.

The final question was, “if you go another year and you don’t change what you’re currently doing, how are you going to feel?”  This question cuts right to the heart of the matter because there are proven ways to grow your money safely regardless of what the economy is doing.

Missed Fortune strategies have a proven track record of eliminating the concerns and making this happen.

10 Lies About Money

Doug Andrews is currently collaborating with Tony Robbins on a book about the 10 greatest lies about money and finance.  Their goal is to help people take ownership of their financial future.

Among the top ten lies about money that people believe:

1. Government knows best and will take care of us in the future.  The truth is that we always take better care of anything in which we take ownership.
2. Putting money in tax-deferred investments using pre-tax dollars is the best way to save for retirement.  This is far from the best way to save for the future.
3. You’ll be in a lower tax bracket in the future.  A lot of people who’ve built up a nest egg with tax-deferred funds have found out the hard way that Uncle Same takes a big bite the moment they start to withdraw that money.
4. You can average a rate of return of 12% by putting your money in the market.  Actually, the average return for the past 12 years has only been 3.83%.
5. Real estate investments & equity pass the Liquidity, Safety & Rate of Return (LASER) test.  This is not accomplished by sending extra principal payments to the mortgage company like so many advisors will tell you.
6. You should buy term insurance and invest the difference.  Instead you can accumulate money tax-free and far outpace the buy-term-invest-the-difference approach.
7. You can structure a life insurance contract to perform as a superior investment vehicle.  Unless the insurance contract is 100% structured correctly, you will fail in this strategy.
8. You should buy and hold.  That myth simply hasn’t worked.
9. Your IRA and 401(k) are your money.  Actually, 33-50% of that money belongs to the government in the form of taxes.
10. Leverage or debt is bad.  By learning to become your own banker you can turn this lie on its head just as the thrivers of the world have done for generations.

Learn more about overcoming the pains of market volatility, higher taxes and inflation by meeting with a Missed Fortune advisor.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, August 2nd at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Debt Limit Increase: A Temporary Band-Aid

5 years ago the national debt was $9.3 trillion — about $90,000 for every taxpayer in America.

We’re now up to $14.3 trillion and rising — $143,000 for every taxpayer.

We don’t have a revenue problem in America; we have a spending problem.

Most Americans agree. A recent CNN poll showed that 66% of Americans support government spending cuts.

Raising our debt limit temporarily is just a Band-Aid.

We need a more fundamental and drastic approach to curing our financial woes.

A recent Forbes article reports:

“’Raising the debt ceiling and getting beyond Aug 2nd does not cure the main source of our problem,’ [said Lacy Hunt of Hoisington Investment Management]. The main problem is that the fiscal problems of the U.S. are enormous. Total federal debt is approaching 100% of gross domestic product, and the three biggest components of that debt will rise dramatically through the end of the decade. Social Security and Medicare can be reformed, but there is little the government can do about interest expense. Even if rates stay constant, Hunt said, interest expense will exceed defense spending by the end of the decade.”

The Congressional Budget Office estimates that interest on the debt is projected to be about 3.4% of GDP by 2021, up from 1.7% in 2001.

However, Forbes reports,

“the CBO only projects an increase in real, or after-inflation, interest rates to 3.1% from a current 1.8%. It also projects a steady decline in unemployment to around 5% and real wage growth of 1.4% a year or more. Relax those assumptions — particularly for wage growth, inflation and interest rates — and the government could get itself into a death spiral of rising interest rates and stagnant economic growth that will make the debt practically impossible to service.”

We need to cut taxes and spending and support entrepreneurs to get cash flowing again.

Cash Value Insurance: A Lifeline in a Sea of Market Uncertainty & Government Ignorance

While you can’t control what the government does, you can control your household finances.

Missed Fortune offers solutions.

During the last 4 years — the worst-performing years since the Great Depression — Missed Fortune clients are up at least 50%.

Those with $1 million or more in our products have doubled or even tripled their money in the last 10 years — and it’s completely tax-free.

They’ve averaged returns of between 7.2% and 9.6% the last 10 years, whereas most Americans are barely breaking even.

How have they done it? Through maximum-funded tax-advantaged cash value life insurance.

When structured as a superior capital accumulation tool, it can perform at an average cash-on-cash rate of return of more than 8%.

This one product can overcome taxes, inflation, market uncertainty by giving you safety of principal, an inflation hedge, and healthy tax-free growth.

Learn more by meeting with a Missed Fortune advisor.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

In this video, Doug explains how to overcome the problem of inflation:

*If you’re reading this in an RSS reader or email, you may need to click the title of the post to view the video on our blog.

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, January 12th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “Successful Equity Management.” You’ll learn how to maintain liquidity and safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Investors Losing Big with Small Returns

The New York Times recently published an article entitled “At Tiny Rates, Saving Money Costs Investors,” which reports that “millions of Americans are paying a high price for a safe place to put their money: extremely low interest rates on savings accounts and certificates of deposit.”

This is particularly detrimental to the elderly and others on fixed incomes. As the article reports:

“Indeed, after fees are subtracted, inflation is accounted for and taxes are paid, many investors in C.D.’s, government bonds and savings and money market accounts are losing money.”

Of course, the traditional financial services industry will tell you that people need to take higher risks to get better returns.

As the article states, “People who rely on income from such investments for support, however, are being forced to consider new options.”

Unfortunately, most of the options people are considering are misguided and damaging.

Missed Fortune, however, provides the best option: Maximum-funded, tax-advantaged life insurance contracts which provide liquidity, guarantee safety of principle, while still producing a healthy rate of return that outpaces inflation.

Furthermore, with the right equity management strategies many elderly and Baby Boomers can discover financial security with their existing assets.

The Power of Equity Management

While people scramble to recover from the recession and explore new ways to build their retirement funds, many of them are sitting on the answer, but are completely unaware.

That answer is home equity.

Before the recession there was $19 trillion dollars of residential real estate, with about $10 trillion sitting as idle equity and no loans attached. After the recession that dropped to about $17 trillion, with at least $8 trillion unencumbered.

About 60% of this total belongs to Baby Boomers, which represents $4.8 trillion in lazy, idle equity.

However, many people are fearful to leverage equity because they think it increases their risk. While this can be true in certain circumstances, Missed Fortune provides a way for you to decrease your risk by leveraging your equity.

It’s exactly how banks operate. If we could educate more Americans to do this we could turn the economy around without federal stimulus spending.

Register now for our next webinar to learn how to become your own bank and borrow to conserve, not consume. You’ll learn how to safely leverage your home equity, maintain liquidity, and increase your rates of return.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

1. Tax-free growth
2. Tax-free withdrawal
3. Guaranteed safety of principal
4. Healthy returns that outpace inflation
5. Full liquidity
6. Transfers tax-free to your heirs

Watch the following video to learn what this vehicle is.

*If you are getting this feed in RSS or email and cannot see the video, please click on the header to view it on the blog.

Upcoming Free Webinars

Attend our free 3-hour webinars live over the Internet this coming Tuesday, November 10th at 6:00 p.m. pacific (7:00 mountain, 8:00 central, 9:00 eastern), and Wednesday, November 11th at 4:00 p.m. pacific (5:00 mountain, 6:00 central, 7:00 eastern).

Don’t miss your chance to understand how to protect your money during this economic crisis and get competitive rates of return during the good years.

Register now by calling 888-76-Radio (888-767-2346).

Just for registering you’ll receive a free e-book and audio book on the IRA/401(k) dilemma. All attendees will receive a free copy of Last Chance Millionaire, Doug’s New York Times best-selling book.

Medicare Fraud & the Implications for Health Care Reform

60 Minutes recently reported on an infuriating story entitled “Medicare Fraud: A $60 Billion Crime.”

The report explained exactly how the health care program “…provides a rich and steady income stream for criminals who are constantly finding new ways to steal a sizable chunk of the half trillion dollars that are paid out each year in Medicare benefits.”

“In fact,” the report continues, “Medicare fraud — estimated now to total about $60 billion a year — has become one of, if not the most profitable, crimes in America.”

When asked by correspondent Steve Croft why the fraud is so attractive to criminals, U.S. Attorney General Eric Holder responded, “Because I think it’s been pretty easy. I think that they have found a way in which they have been able to get pretty substantial amounts of money with not a huge amount of effort…”

Of course, that money comes straight out of your pocket and mine.

60 Minutes interviewed a fraud perpetrator identified as Tony who said that it was “real easy,” “…like taking candy from a baby.”

So answer this: If this is how the government is now managing Medicare, how in the world are they going to run nationalized health care?

What it Means for You

The implications for you and I are simple: The more government gets involved, the more bureaucracy, inefficiency, and waste.

This means that our dollars will never be worth more than they’re worth today, and that you’ll never be in a lower tax bracket than you’re in today.

The Missed Fortune strategies provide a way for you to beat the government at the taxes and inflation game.

Specifically, our indexing strategy provides the following benefits:

• You enjoy profitable upside of market returns, with zero downside risk. You never lose principal and your gains are locked in.
• Your account is liquid.
• Your account grows tax-free and can be accessed upon retirement tax-free.
• Your account leaves a healthy benefit to your heirs.

Get started now with implementing these phenomenal strategies into your financial life.

Free Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this free e-book now at www.babyboomerblunders.com.